How To Strengthen The Management Of Non Credit Asset Management Posts?

First, we must clarify the way of thinking.

Credit work is the focus of our business work. Loan officers should investigate lending, grading certification, tracking and checking, collecting rights and information, collecting and collecting information and files, investigating statistics and filling in reports, writing materials, and working unusually busy. This requires us to have a clear and complete train of thought. This way of thinking is clear, we can work steadily and steadily, accomplish tasks in accordance with the plan. Second: control the large amount of small loans, prohibit the granting of credit loans, implement the guarantee loan appropriately, give priority to issuing mortgage loans (car, housing); third, grasp every link of the three checks of the loan, grasp the trend of every aspect of the loan, earnestly grasp the dynamics, defuse risks, improve the data and report the data.

We should implement the idea of credential lending.

With this credit idea, you can determine the step-by-step goals and implement them steadily.

Fourth, we should always unremittingly reduce "bad" and "bad" work and put it into the daily work.

The two is to clarify the key points of work.

On the one hand, credit work should focus on the work of credit cooperatives and the unified arrangement of credit unions. One must not only limit the business indicators, but also consolidate the basic work of credit, including file management, loan collection and inspection, data statistics, information feedback and so on.

On the other hand, we should emphasize the key points, intensify our efforts, and innovate methods in one aspect or some aspects. We must make sure that our credit cooperatives first need to talk about survival, and then talk about development. First, we must attach importance to reducing "non" and reducing "bad", and then go to business expansion.

Three, we should conscientiously grasp the creditor's rights to maintain and control new non-performing loans.

In the case of bad loans, no matter who is responsible, what is the background, the current credit officers have the obligation to maintain asset safety and take measures to recover them. If they are lazy in claiming claims, failing to work, causing losses in time, and so on, the credit officers should bear corresponding responsibilities and be punished accordingly, causing heavy losses and also pursuing legal liability.

That is to say, as long as you do not fulfill your duty or fulfill your duty, you may not be responsible for the loss. You may be guilty. If you are ineffective, you should take the responsibility.

The bad trend in normal loans must be digested as soon as possible.

Four is clear positioning, good at making up and not offside.

The sparrow of the credit union is small but full of all organs.

Our credit officers should be clear about their responsibilities and perform their duties well. They should advise, feedback, report and seek advice from the relevant managers in daily work, strive for work support, and seriously investigate and feedback the real situation.

Don't make decisions without problems.

Discretionary power, I say no, if your leader wants to lend, I am irresponsible. The reason for "not doing" and "doing" should be compliance and reasonable. Otherwise, the loan officers who are holding this kind of thinking are prone to be self disciplined. They are in an unrestrained and undisciplined state. They should neither handle nor report for their clients, delay their work, cause adverse effects, and even cause losses; two think that I have no right. If you say that you lend me, I will lend you whatever you say. Why should we say this? Because now some of us have two misconceptions about the rights of credit officers: one is "row" or "no". This is my credit officer's freedom.